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Agency Blog

How Do Different Types Of Home Insurance Work?

1/11/2023

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​Purchasing a house is a significant step for anybody new to the real estate industry. After overcoming obstacles to secure financing, most individuals are overwhelmed by the thought of searching among dozens of house insurance policies. It might not be something we think about, but unforeseen events can happen to your house at any moment, which is why having home insurance is essential.

If anything happens to or in your house, having home insurance can prevent you from paying a considerable amount to repair damages to your property and personal stuff. But what specific type of home insurance best fits your needs? How do they differ from each other? Here are some types of home insurance you should check out.
Basic Type
This sort of house insurance can insure your home against only ten risks, and as a result, many insurance companies no longer provide it. Basic form insurance protects your house and valuables at monetary value against things like lightning, windstorms, fire, smoke, and theft.

Standard Form
Also known as the special form home insurance and is the most common type of insurance that covers many single-family house policies. This coverage may insure your home at its replacement value and your personal belongings at their cash value.

Broad Type
Broad-form insurance is a middle type of home insurance. This insurance may provide extensive coverage on larger objects, such as the structure itself, and basic coverage on other items selected on your policy.

Comprehensive Form
This type of insurance is the most pricey yet often-used home insurance. Comprehensive coverage could protect your house and valuables against losses, except for a few limits that could be clearly stated in your policy.

Renters Type
Also known as contents broad form insurance that could protect the renter's items against certain risks outlined in your policy, such as theft or fire. Your renter's insurance may also cover damage to the rental apartment. The landlord will have insurance that protects the property's general structure.

Flat Owners Form
Condo insurance is for individuals who reside in a condominium or coop. The coverage you might need in your condo insurance may vary, but it typically can protect your things and the inside of your unit. A condo owner's association may usually have its insurance covering the other property components that are not your responsibility.

Conclusion
Know what your policy does and doesn’t cover before deciding. If you're purchasing new home insurance or renewing an existing policy, understanding the various types of home insurance and its coverage is vital.

At Cornerstone Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (770) 413-0807. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!
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(770) 413-0807
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